International Blockchain Monetary Reserve (IBMR) is a fintech company focused on providing decentralized financial solutions to the urban working poor in Southeast Asia. The company operates in the blockchain and cryptocurrency market, leveraging innovative technologies to create sustainable wealth for underserved populations. IBMR's core product, ARCC.one, utilizes a unique Social Proof of Work (SPoW) mechanism that allows users to earn ARCC tokens by participating in the network without the need for mining hardware or staking existing coins. This approach democratizes access to financial resources and promotes economic inclusion.

IBMR serves individuals who are often unbanked and undocumented, lacking legal or socio-economic representation. By offering a decentralized economic network, IBMR aims to address the inefficiencies and inequities of traditional financial systems that have historically benefited economic elites. The company's business model revolves around the distribution and utilization of ARCC tokens, which can be used within the ecosystem for various financial activities, thereby generating revenue through transaction fees and token appreciation.

Keywords: decentralized, fintech, blockchain, cryptocurrency, Southeast Asia, urban poor, economic inclusion, ARCC tokens, Social Proof of Work, financial empowerment.